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Saodat S. lives in the Shahinav region of Tajikistan. She is 44 years old, married and has 3 children. Her family is very close and they own a business together Saodat and her husband own a market stall where they sell groceries. Her husband supplies the goods which he brings from Dushanbe, capital of Tajikistan. Saodat herself manages the stall and sells the goods. This business is the sole source of income for their family. Saodat and her husband have decided to expand the inventory so that they can increase their profits. However, they need a loan to reach their goal. They are planning to pay back the loan in the next 9 months.

Translated from Russian by Anya Lyuksyutova, Kiva volunteer

Саидова Саодат жительница района Шахринау. Ей 44 года, Она замужем и имеет 3 детей. У нее очень крепкая семья. И вместе они имеют общий бизнес. Саодат с мужем имеют торговую точку , где продают продукты питания. Муж является поставщиком товара , который привозит из города Душанбе. А сама клиентка торгует. Этот бизнес является единственным источником дохода их семьи. Поэтому они вместе решили увеличить товарооборот, который даст возможность заработать больше. Но для этого им необходимо получить кредит. Погасить кредит клиентка сможет в течении 9 месяцев.

Additional Information

About MLO Humo and Partners

MLO Humo and Partners is a microfinance institution in Tajikistan that aims to support vulnerable and underserved populations living in rural areas through financial and consulting services for small businesses. Kiva loans are used by groups and individual borrowers to start and grow businesses and build brighter futures for themselves, their families and their communities. This is especially important in Tajikistan, the poorest country in Central Asia, where more than two-thirds of the population lives below the poverty line.

About Tajikistan

  • $2,700
    Average annual income
  • 155
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Saodat expanding inventory.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 20, 2008
May 30, 2008
Currency Exchange Loss:
Apr 15, 2009